Weekly CD Rate Report — Week Ending April 19, 2026

Key stats

All US banks · week-over-week

3-month CD

1.65%

median APY

−0.09% WoW

Matching Treasury

3.70%+1 bps

6-month CD

3.00%

median APY

±0.00% WoW

Matching Treasury

3.69%−3 bps

9-month CD

3.25%

median APY

±0.00% WoW

Matching Treasury

3.67%−4 bps

12-month CD

3.00%

median APY

±0.00% WoW

Matching Treasury

3.64%−6 bps

At a glance

Executive Summary

CD rates were mixed, with the 3-month lower, the 6-month flat, the 9-month flat, and the 12-month flat against a mixed Treasury backdrop.
The 3-month median APY fell 9 bps to 1.65% this week. The ≥ $100B tier fell 25 bps; no tier posted an increase. The matching 3-month Treasury yield rose 1 bps to 3.70% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Washington Savings Bank cut 346 bps.
The 6-month median APY held flat at 3.00% this week. The < $5B tier rose 4 bps; no tier posted a decline. The matching 6-month Treasury yield fell 3 bps to 3.69% over the same week. Largest single-bank move: MAIN STREET BANK CORP raised 370 bps.
The 9-month median APY held flat at 3.25% this week. The ≥ $100B tier fell 120 bps; no tier posted an increase. The matching 9-month Treasury yield fell 4 bps to 3.67% over the same week. Largest single-bank move: NATIONAL BANK OF COXSACKIE raised 320 bps.
The 12-month median APY held flat at 3.00% this week. The ≥ $100B tier fell 50 bps; no tier posted an increase. The matching 12-month Treasury yield fell 6 bps to 3.64% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Washington Savings Bank cut 341 bps.

CD Summary Statistics by Deposit Tier

Each tier shows the average and median of contributing banks' best APYs, the bank holding the lowest and highest APY in the tier, and the bank whose APY moved most week-over-week.

3-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$13.03T	1.82% −0.01%	1.65% −0.09%	0.01% Webster Bank, National Association · $500 min	5.00% Greenfield Banking Company · $1K min	Washington Savings Bank 0.04% (−3.46%)
≥ $100B	$10.07T	1.59% −0.11%	1.50% −0.25%	0.01% Fifth Third Bank, National Association · $50K min	3.91% Charles Schwab Bank, SSB · No min	N/A
$50B – $100B	$893.8B	1.37% ±0.00%	1.13% ±0.00%	0.01% Webster Bank, National Association · $500 min	3.55% Valley National Bank · $500 min	N/A
$10B – $50B	$893.9B	2.63% ±0.00%	3.22% ±0.00%	0.02% Associated Bank, National Association · $10K min	3.96% State Bank of India · No min	N/A
$5B – $10B	$348.1B	2.14% +0.00%	2.75% ±0.00%	0.03% Central Pacific Bank · $100K min	3.90% Merrick Bank · $25K min	Middlesex Savings Bank 3.50% (+0.10%)
< $5B	$823.2B	1.76% −0.01%	1.50% ±0.00%	0.03% The Union Bank Company · $500 min	5.00% Greenfield Banking Company · $1K min	Washington Savings Bank 0.04% (−3.46%)

Median 3-month APY fell 9 bps to 1.65%. The ≥ $100B tier fell 25 bps; no tier posted an increase. The matching 3-month Treasury yield rose 1 bps to 3.70% over the same week.

6-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$13.03T	2.45% +0.01%	3.00% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	5.00% Greenfield Banking Company · $1K min	MAIN STREET BANK CORP 4.00% (+3.70%)
≥ $100B	$10.07T	1.97% −0.11%	3.00% ±0.00%	0.01% First-Citizens Bank & Trust Company · $500 min	4.05% Goldman Sachs Bank USA · $500 min	N/A
$50B – $100B	$893.8B	2.47% ±0.00%	3.10% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	3.75% Webster Bank, National Association · No min	N/A
$10B – $50B	$893.9B	2.72% ±0.00%	3.07% ±0.00%	0.03% Rockland Trust Company · $1K min	4.06% State Bank of India · No min	N/A
$5B – $10B	$348.1B	2.59% +0.00%	3.32% ±0.00%	0.03% Central Pacific Bank · $100K min	4.00% Republic Bank & Trust Company · $1K min	Middlesex Savings Bank 3.50% (+0.10%)
< $5B	$823.2B	2.44% +0.02%	3.00% +0.04%	0.01% First Citizens Bank · $500 min	5.00% Greenfield Banking Company · $1K min	MAIN STREET BANK CORP 4.00% (+3.70%)

Median 6-month APY held flat at 3.00%. The < $5B tier rose 4 bps; no tier posted a decline. The matching 6-month Treasury yield fell 3 bps to 3.69% over the same week.

9-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$13.03T	2.58% +0.03%	3.25% ±0.00%	0.01% Fifth Third Bank, National Association · $50K min	5.30% Citizens Community Federal National Association · $5K min	NATIONAL BANK OF COXSACKIE 3.30% (+3.20%)
≥ $100B	$10.07T	1.87% −0.39%	2.00% −1.20%	0.01% Fifth Third Bank, National Association · $50K min	4.00% Goldman Sachs Bank USA · $500 min	N/A
$50B – $100B	$893.8B	2.42% ±0.00%	2.63% ±0.00%	0.10% First Horizon Bank · No min	4.00% CIBC Bank USA · $1K min	N/A
$10B – $50B	$893.9B	2.69% ±0.00%	3.15% ±0.00%	0.02% Associated Bank, National Association · $10K min	4.15% Comenity Capital Bank · $2K min	N/A
$5B – $10B	$348.1B	2.77% ±0.00%	3.25% ±0.00%	0.03% Central Pacific Bank · $100K min	3.95% EagleBank · $1K min	N/A
< $5B	$823.2B	2.59% +0.05%	3.25% ±0.00%	0.03% Newburyport Five Cents Savings Bank · $3K min	5.30% Citizens Community Federal National Association · $5K min	NATIONAL BANK OF COXSACKIE 3.30% (+3.20%)

Median 9-month APY held flat at 3.25%. The ≥ $100B tier fell 120 bps; no tier posted an increase. The matching 9-month Treasury yield fell 4 bps to 3.67% over the same week.

12-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$13.03T	2.48% +0.02%	3.00% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	4.86% Merchants Bank of Indiana · $1K min	Washington Savings Bank 0.03% (−3.41%)
≥ $100B	$10.07T	2.15% −0.11%	2.50% −0.50%	0.01% First-Citizens Bank & Trust Company · $500 min	4.00% Charles Schwab Bank, SSB · No min	N/A
$50B – $100B	$893.8B	2.16% ±0.00%	2.33% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	4.00% Flagstar Bank, National Association · $500 min	N/A
$10B – $50B	$893.9B	2.60% ±0.00%	3.00% ±0.00%	0.03% Rockland Trust Company · $1K min	4.86% Merchants Bank of Indiana · $1K min	N/A
$5B – $10B	$348.1B	2.50% +0.00%	2.99% ±0.00%	0.08% Central Pacific Bank · $100K min	3.90% Merrick Bank · $25K min	Middlesex Savings Bank 3.40% (+0.10%)
< $5B	$823.2B	2.48% +0.03%	3.00% ±0.00%	0.01% First Citizens Bank · $500 min	4.85% Greenfield Banking Company · $1K min	Washington Savings Bank 0.03% (−3.41%)

Median 12-month APY held flat at 3.00%. The ≥ $100B tier fell 50 bps; no tier posted an increase. The matching 12-month Treasury yield fell 6 bps to 3.64% over the same week.

CDs by State

Banks are attributed to every state where they have at least one open branch. Median APY is the median of each contributing bank's best APY for the tenor.

Biggest Movers

TN · 9-month: 1.39% (−1.86%)
AL · 9-month: 0.38% (−1.60%)
KY · 9-month: 1.77% (−1.38%)
GA · 9-month: 2.27% (−1.23%)
NC · 9-month: 1.10% (−1.17%)

CDs by State — 3-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	45	0.45%	±0.00%	N/A
AL	303	2.50%	+0.50%	N/A
AR	150	0.65%	+0.07%	N/A
AZ	714	1.83%	±0.00%	N/A
CA	4063	2.17%	±0.00%	N/A
CO	712	2.17%	−0.06%	N/A
CT	669	0.88%	+0.13%	N/A
DC	130	1.36%	±0.00%	N/A
DE	120	3.00%	−0.13%	N/A
FL	2503	2.38%	−0.38%	N/A
GA	771	1.00%	±0.00%	N/A
GU	6	2.90%	±0.00%	N/A
HI	197	2.83%	±0.00%	N/A
IA	354	1.00%	−0.01%	N/A
ID	224	2.30%	±0.00%	N/A
IL	1625	1.10%	−0.15%	Washington Savings Bank 0.04% (−3.46%)
IN	648	0.80%	±0.00%	Home Bank SB 0.25% (−0.10%)
KS	421	1.05%	−0.22%	N/A
KY	435	0.78%	−0.28%	N/A
LA	303	1.75%	±0.00%	N/A
MA	763	1.25%	−0.25%	Middlesex Savings Bank 3.50% (+0.10%)
MD	705	1.00%	±0.00%	N/A
ME	292	1.00%	±0.00%	N/A
MI	1191	2.38%	±0.00%	Highpoint Community Bank 3.51% (+0.51%)
MN	586	2.52%	±0.00%	N/A
MO	560	1.01%	−0.04%	Community Bank of Raymore 0.05% (−3.19%)
MP	2	1.51%	±0.00%	N/A
MS	194	0.25%	−0.05%	N/A
MT	55	0.95%	−0.55%	First Federal Bank & Trust 3.10% (−0.35%)
NC	1085	0.80%	−0.05%	N/A
ND	114	1.65%	±0.00%	N/A
NE	297	1.20%	−0.10%	N/A
NH	160	1.50%	±0.00%	Claremont Savings Bank 4.00% (+0.35%)
NJ	1071	2.00%	±0.00%	N/A
NM	162	0.57%	±0.00%	N/A
NV	322	1.50%	±0.00%	Eaglemark Savings Bank 3.50% (−0.15%)
NY	2067	2.73%	+0.23%	N/A
OH	1342	0.50%	±0.00%	N/A
OK	228	1.63%	+0.13%	N/A
OR	462	1.83%	±0.00%	N/A
PA	1612	1.00%	±0.00%	N/A
PR	3	2.80%	±0.00%	N/A
RI	70	3.00%	±0.00%	N/A
SC	438	0.93%	−0.04%	N/A
SD	97	3.12%	±0.00%	N/A
TN	564	1.25%	±0.00%	N/A
TX	2378	2.05%	−0.05%	N/A
UT	359	1.10%	±0.00%	N/A
VA	1132	1.02%	±0.00%	N/A
VT	58	3.40%	±0.00%	Claremont Savings Bank 4.00% (+0.35%)
WA	717	2.50%	±0.00%	N/A
WI	890	0.50%	−0.07%	Clare Bank, National Association 0.10% (+0.05%)
WV	188	0.50%	±0.00%	The Bank of Romney 3.29% (−0.62%)
WY	64	1.86%	±0.00%	First Federal Bank & Trust 3.10% (−0.35%)

CDs by State — 6-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	50	2.00%	±0.00%	N/A
AL	318	2.64%	+0.36%	N/A
AR	334	2.88%	−0.08%	First National Bank of Eastern Arkansas 4.30% (+0.50%)
AZ	722	2.35%	−0.24%	Unison Bank 2.53% (−1.12%)
CA	4062	3.20%	±0.00%	Universal Bank 0.15% (−0.20%)
CO	669	3.13%	−0.05%	Bankers' Bank of the West 3.87% (+0.05%)
CT	733	2.75%	±0.00%	N/A
DC	137	2.89%	±0.00%	N/A
DE	139	3.00%	±0.00%	The Farmers Bank of Willards 3.51% (+0.07%)
FL	2535	3.23%	−0.02%	N/A
GA	799	1.75%	±0.00%	N/A
GU	5	1.33%	±0.00%	N/A
HI	185	1.33%	±0.00%	N/A
IA	421	2.76%	−0.24%	FreedomBank 3.99% (+0.20%)
ID	225	3.00%	±0.00%	N/A
IL	1723	2.27%	−0.05%	Washington Savings Bank 0.04% (−3.56%)
IN	705	2.50%	±0.00%	Home Bank SB 0.25% (−0.50%)
KS	518	2.77%	±0.00%	Kaw Valley Bank 2.12% (+0.10%)
KY	471	2.01%	−0.01%	N/A
LA	358	2.85%	±0.00%	N/A
MA	1196	2.75%	−0.08%	Middlesex Savings Bank 3.50% (+0.10%)
MD	793	2.18%	±0.00%	The Farmers Bank of Willards 3.51% (+0.07%)
ME	338	2.76%	±0.00%	N/A
MI	1381	2.73%	±0.00%	N/A
MN	663	3.00%	±0.00%	Foresight Bank 1.36% (+0.05%)
MO	701	2.63%	−0.14%	Community Bank of Raymore 0.05% (−3.19%)
MP	2	1.33%	±0.00%	N/A
MS	236	0.50%	−0.22%	First Federal Savings and Loan Association 1.50% (−0.10%)
MT	55	3.22%	−0.31%	N/A
NC	1282	1.68%	−0.07%	N/A
ND	117	2.76%	−0.38%	Unison Bank 2.53% (−1.12%)
NE	445	2.84%	−0.14%	Henderson State Bank 2.27% (−1.58%)
NH	237	3.00%	±0.00%	N/A
NJ	1378	3.00%	±0.00%	Franklin Bank 2.78% (−0.26%)
NM	186	2.17%	−0.17%	Lea County State Bank 1.51% (−1.87%)
NV	327	2.84%	±0.00%	N/A
NY	2652	3.20%	+0.20%	Champlain National Bank 3.50% (+2.90%)
OH	1417	2.38%	+0.11%	N/A
OK	341	2.80%	−0.08%	The Stock Exchange Bank 1.76% (−1.87%)
OR	488	3.00%	+0.15%	Oregon Coast Bank 4.00% (+1.50%)
PA	1855	2.75%	−0.01%	Hometown Bank of Pennsylvania 3.75% (−0.15%)
PR	3	3.27%	±0.00%	N/A
RI	142	3.00%	±0.00%	N/A
SC	557	1.50%	±0.00%	Countybank 0.93% (+0.01%)
SD	107	3.23%	±0.00%	N/A
TN	639	3.19%	+0.10%	First National Bank of Eastern Arkansas 4.30% (+0.50%)
TX	2600	3.01%	+0.01%	Farmers State Bank 3.76% (+1.23%)
UT	380	3.35%	±0.00%	N/A
VA	1214	2.09%	±0.00%	The Farmers Bank of Appomattox 3.30% (−0.15%)
VT	125	3.02%	±0.00%	N/A
WA	836	3.20%	±0.00%	N/A
WI	1084	1.51%	−0.20%	The Bank of New Glarus 3.75% (+3.25%)
WV	211	1.75%	±0.00%	The Bank of Romney 3.39% (−0.46%)
WY	65	2.98%	±0.00%	N/A

CDs by State — 9-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	9	2.00%	±0.00%	N/A
AL	155	0.38%	−1.60%	N/A
AR	113	2.80%	−0.10%	Fidelity Bank 3.60% (+0.60%)
AZ	423	2.00%	−0.08%	N/A
CA	2388	2.79%	−0.23%	N/A
CO	436	3.05%	−0.08%	Bankers' Bank of the West 3.77% (+0.05%)
CT	373	2.75%	+0.38%	N/A
DC	68	2.85%	±0.00%	N/A
DE	40	3.28%	±0.00%	N/A
FL	1514	3.00%	−0.08%	N/A
GA	424	2.27%	−1.23%	N/A
GU	3	0.09%	±0.00%	N/A
HI	102	0.09%	±0.00%	N/A
IA	224	2.92%	±0.00%	N/A
ID	136	2.71%	±0.00%	N/A
IL	1304	2.92%	−0.23%	Farmers National Bank 3.45% (−0.30%)
IN	508	3.19%	±0.00%	N/A
KS	213	2.30%	±0.00%	N/A
KY	279	1.77%	−1.38%	N/A
LA	303	1.65%	−0.25%	N/A
MA	708	3.13%	+0.02%	North Brookfield Savings Bank 3.61% (+0.05%)
MD	363	2.81%	±0.00%	N/A
ME	159	2.85%	±0.00%	N/A
MI	1076	2.50%	−0.09%	N/A
MN	331	3.17%	−0.05%	ProGrowth Bank 3.85% (−0.05%)
MO	383	2.54%	−0.51%	N/A
MP	1	0.09%	±0.00%	N/A
MS	105	0.25%	−0.05%	First National Bank of Clarksdale 1.50% (+1.00%)
MT	22	3.25%	±0.00%	N/A
NC	691	1.10%	−1.17%	N/A
ND	38	3.25%	±0.00%	N/A
NE	209	2.10%	−0.40%	Nebraska Bank 3.50% (+0.05%)
NH	134	3.25%	±0.00%	N/A
NJ	826	3.00%	±0.00%	Crest Savings Bank 3.00% (+2.75%)
NM	93	1.66%	+0.51%	N/A
NV	173	2.79%	±0.00%	N/A
NY	1516	3.15%	±0.00%	N/A
OH	1257	3.15%	−0.05%	Portage Community Bank 3.50% (+0.25%)
OK	111	1.80%	±0.00%	N/A
OR	285	2.71%	±0.00%	Oregon Coast Bank 4.00% (+0.40%)
PA	1225	2.83%	−0.02%	Ambler Savings Bank 3.50% (−0.10%)
PR	2	2.00%	±0.00%	N/A
RI	67	2.77%	±0.00%	N/A
SC	215	0.93%	−0.82%	Countybank 0.93% (+0.03%)
SD	38	2.95%	±0.00%	N/A
TN	449	1.39%	−1.86%	First National Bank of Eastern Arkansas 3.84% (+0.50%)
TX	1142	2.79%	−0.26%	State Bank of De Kalb 3.55% (+0.26%)
UT	194	3.33%	±0.00%	N/A
VA	535	2.45%	±0.00%	N/A
VT	40	0.55%	±0.00%	N/A
WA	476	3.02%	±0.00%	N/A
WI	686	3.20%	−0.05%	Clare Bank, National Association 3.62% (+0.10%)
WV	117	2.00%	−0.85%	The Bank of Romney 3.60% (−0.20%)
WY	30	1.33%	±0.00%	N/A

CDs by State — 12-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	50	2.15%	±0.00%	N/A
AL	320	2.28%	−0.36%	N/A
AR	266	2.55%	−0.10%	First National Bank of Eastern Arkansas 3.79% (+0.50%)
AZ	720	2.50%	±0.00%	Goldwater Bank, N.A. 4.00% (+0.50%)
CA	4068	3.00%	±0.00%	Magnolia Bank, Incorporated 3.65% (+1.15%)
CO	661	3.03%	−0.12%	Bankers' Bank of the West 3.87% (+0.04%)
CT	712	2.53%	+0.02%	Jewett City Savings Bank 1.00% (−2.40%)
DC	137	2.00%	±0.00%	N/A
DE	138	3.00%	±0.00%	Magnolia Bank, Incorporated 3.65% (+1.15%)
FL	2660	3.00%	±0.00%	Magnolia Bank, Incorporated 3.65% (+1.15%)
GA	805	2.00%	−0.01%	Magnolia Bank, Incorporated 3.65% (+1.15%)
GU	6	2.40%	±0.00%	N/A
HI	198	2.40%	±0.00%	N/A
IA	417	3.00%	−0.01%	TruBank 3.85% (+2.75%)
ID	225	3.00%	±0.00%	N/A
IL	1736	2.20%	−0.05%	Washington Savings Bank 0.03% (−3.41%)
IN	795	2.89%	+0.39%	Bath State Bank 3.00% (+2.97%)
KS	513	2.80%	±0.00%	Kaw Valley Bank 2.63% (+0.10%)
KY	471	2.88%	+0.13%	Magnolia Bank, Incorporated 3.65% (+1.15%)
LA	361	2.88%	−0.15%	Bank of Zachary 2.65% (−0.60%)
MA	1065	2.75%	±0.00%	Eagle Bank 3.25% (+2.95%)
MD	799	2.00%	±0.00%	The Farmers Bank of Willards 3.49% (+0.08%)
ME	316	2.53%	+0.15%	Eagle Bank 3.25% (+2.95%)
MI	1426	2.97%	±0.00%	Eaton Community Bank 3.20% (−0.14%)
MN	677	3.23%	−0.02%	The Citizens National Bank of Park Rapids 3.03% (−0.01%)
MO	641	2.55%	−0.20%	N/A
MP	2	1.25%	±0.00%	N/A
MS	236	1.50%	±0.00%	First Federal Savings and Loan Association 2.00% (−0.10%)
MT	54	2.94%	±0.00%	N/A
NC	1283	1.36%	−0.07%	N/A
ND	132	3.02%	±0.00%	American State Bank & Trust Company of Williston 1.90% (−1.00%)
NE	445	3.00%	±0.00%	Henderson State Bank 3.60% (−0.15%)
NH	211	3.00%	±0.00%	Claremont Savings Bank 0.15% (−0.10%)
NJ	1292	3.00%	±0.00%	N/A
NM	186	1.51%	±0.00%	The Bank of Clovis 3.38% (+0.13%)
NV	327	2.50%	±0.00%	N/A
NY	2532	2.91%	+0.13%	N/A
OH	1453	2.75%	+0.25%	THE HOME LOAN SAVINGS BANK 3.85% (+3.35%)
OK	322	2.80%	±0.00%	N/A
OR	493	3.00%	+0.03%	Oregon Coast Bank 4.00% (+1.50%)
PA	1801	2.53%	±0.00%	Reliance Savings Bank 2.95% (−0.50%)
PR	3	2.75%	±0.00%	N/A
RI	96	2.75%	±0.00%	N/A
SC	557	1.56%	−0.07%	Countybank 0.92% (+0.03%)
SD	107	3.25%	±0.00%	N/A
TN	659	3.01%	−0.02%	First National Bank of Eastern Arkansas 3.79% (+0.50%)
TX	2548	2.99%	−0.01%	NBT Financial Bank 2.78% (+0.25%)
UT	384	3.35%	±0.00%	N/A
VA	1214	2.38%	−0.01%	The Farmers Bank of Appomattox 2.50% (−0.75%)
VT	122	2.50%	±0.00%	Claremont Savings Bank 0.15% (−0.10%)
WA	849	3.20%	+0.05%	N/A
WI	1087	2.15%	−0.13%	The Bank of New Glarus 3.70% (+2.70%)
WV	211	1.50%	−0.25%	N/A
WY	62	2.60%	±0.00%	N/A

Methodology & disclaimer

This report was automatically generated from www.depositmonitor.com data. CD APYs reflect the latest observed rate per bank within a 30-day lookback window ending April 19, 2026. Treasury yields are sourced from the US Department of the Treasury daily par yield curve.

Disclaimer: The information presented is for informational and competitive- intelligence purposes only and does not constitute financial, investment, tax, or legal advice. Deposit rates change frequently and may differ from those shown depending on deposit size, term, region, eligibility, and other conditions set by each institution. While we make best efforts to ensure accuracy, Deposit Monitor makes no warranty, express or implied, regarding the completeness or timeliness of this data. Verify current rates directly with each institution before making any deposit decision.

Week ending April 19, 2026

Key stats

Executive Summary

CD Summary Statistics by Deposit Tier

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6-Month CDs

9-Month CDs

12-Month CDs

CDs by State

Biggest Movers

CDs by State — 3-Month

CDs by State — 6-Month

CDs by State — 9-Month

CDs by State — 12-Month

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